News And Articles


$15
Annual Fee
3.50%
Interest Rate

UNIONBANK CLASSIC CREDIT CARD

  • Interest Rate : 3.50%
  • Annual Fee : $15

DESCRIPTIONS:

Avail of a variety of benefits and features with the Union Bank Classic Credit Card.

  • Pay an annual fee of Php1500 for the principal card and Php750 for the supplementary cards to enjoy discounts and rewards program in restaurants, shopping outlets and air tickets nationwide!
  • Share the benefits of the Union Bank Classic Credit Card to all qualified family members from 14 to 60 years of age!
  • Relish on up to 53 days credit with 0% interest from your due date
  • Purchase anything you want abroad and have the convenience of paying in the Philippine peso once your back home!
  • Auto-Charge your utility bills with your Union Bank Credit Card
  • Checking your balance is now just a few seconds away with Union Bank’s Mobile Banking that lets you check your current and available balance and due dates with your Smart GSM Mobile!
  • With Union Bank’s U-Protect, you are assured of protection for you and your love ones in any event of disability and untimely death that will pay up to Php400000 of your current balance.

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Featured Credit Cards:

Metrobank M Lite MasterCard


FEATURES:

  • Pay an annual fee of just Php1400
  • Take advantage of Finance Charge Rate of just 2.49%!
  • Transfer your balance to your new Metrobank M Lite MasterCard with just 0.79%

EASTWEST BANK DOLCE VITA


FEATURES:

<ul>
<li>Finance charge of only 3.50% per month</li>
<li>Cash advance of 5% or Php300 whichever is higher</li>
<li>For transactions done in foreign currencies, pay only a conversion fee of 2.50%</li>
<li>&nbsp;Pay an annual fee of just Php1600</li>
</ul>

MetroBank M Free MasterCard


FEATURES:

  • NO ANNUAL FEE FOR LIFE!
  • Avail of finance charge rate of just 3.50%
  • Transfer your balance to your new Metrobank M Free MasterCard with just 0.79%
  • Get cash whenever you need it with Php300 or 3%, whichever is higher!

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.